Retirement plan

THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS PLAN AND TRUST

Name: THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS TRUST - THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS PLAN AND TRUST (2025) Form 5500
Creator: THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS TRUST
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS PLAN AND TRUST, THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS TRUST

THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS TRUSTEIN 31-1571353Plan #002PY 2025

PO BOX 1298, 1720 INDIAN WOOD CIRCLE STE C - MAUMEE, OH 43537419-248-2401LinkedIn201-500 employeespublishing

Prospect flagsLow returnsHigh feesLow participant contribution

How to read this page

Total assets (EOY)

$16.2M

-3.6% from 2024

Total participants

157

+1.9% from 2024

Average account balance

$109,871

-0.9% from 2024

Annual return

13.10%

-1.63 pp from 2024

Benchmarks

See 1,970 peers

Peer group

Industry51 - Information

Plan typeDefined contribution

Participants25-99

Cohort1,970 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$16.15M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$110K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

147

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

87.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$215K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+13.10%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$642

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

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Service providers

Top 5 by compensation

Provider	Service type	Compensation
TRANSAMERICA RETIREMENT SOLUTIONS11+ years Service code 12 · EIN 13-3689044 4333 EDGEWOOD MAIL 0001 · CEDAR RAPIDS, IA 52499	Direct payment from the plan; Claims ...	$36,296
TITUS & URBANSKI, INC.11+ years Filed as: TITUS & URBANSKI INC Service code 10 · EIN 34-1695540 3220 CENTRAL PARK WEST · TOLEDO, OH 43617	Accounting	$30,000
NORTHWESTERN OHIO ADMINISTRATORS11+ years Filed as: NORTHWESTERN OHIO ADMINSTATORS INC Service code 28 · EIN 34-1337680 1720 INDIAN WOOD CIRCLE · MAUMEE, OH 43537	Investment Management	$18,220
SHUMAKER, LOOP & KENDRICK, LLP11+ years Filed as: SHUMAKER, LOOP & KENDRICK Service code 29 · EIN 34-4439491 1000 JACKSON ST · TOLEDO, OH 43604	Legal	$7,018
NATIONAL FINANCIAL SERVICES11+ years Service code 33 · EIN 04-3523567 200 LIBERTY ST 5TH FL · NEW YORK, NY 10281	Securities brokerage commissions and ...	$0

Plan features & details

Pension benefit codes2E2F2G2J3H

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

3 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$94K

$1211 / participant

Recordkeeping$36K38.4%
Legal$7K7.4%
Contract admin$18K19.3%
Other / not subdivided$33K34.8%

% of EOY assets

0.585%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: TITUS & URBANSKI, INC
Auditor EIN: 341695540
Audit fees: $30,000
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$109,871

$78,197+40.5%

$98,090+12.0%

$82,637+33.0%

Participation rate

87.2%

77.5%+9.7pp

81.5%+5.6pp

68.1%+19.1pp

Annual return

13.10%

40.25%-27.1pp

37.05%-23.9pp

53.51%-40.4pp

Employer contribution / active EE

$641

$2,605-75.4%

$3,606-82.2%

$2,552-74.9%

Participant deferral / active EE

$2,118

$6,636-68.1%

$7,845-73.0%

$4,126-48.7%

Admin fee / account holder

$642

$14,832-95.7%

$11,815-94.6%

$7,339-91.2%

Provider

Service type

Compensation

TRANSAMERICA RETIREMENT SOLUTIONS11+ years

Service code 12 · EIN 13-3689044

4333 EDGEWOOD MAIL 0001 · CEDAR RAPIDS, IA 52499

Direct payment from the plan; Claims ...

$36,296

TITUS & URBANSKI, INC.11+ years

Filed as: TITUS & URBANSKI INC

Service code 10 · EIN 34-1695540

3220 CENTRAL PARK WEST · TOLEDO, OH 43617

Accounting

$30,000

NORTHWESTERN OHIO ADMINISTRATORS11+ years

Filed as: NORTHWESTERN OHIO ADMINSTATORS INC

Service code 28 · EIN 34-1337680

1720 INDIAN WOOD CIRCLE · MAUMEE, OH 43537

Investment Management

$18,220

SHUMAKER, LOOP & KENDRICK, LLP11+ years

Filed as: SHUMAKER, LOOP & KENDRICK

Service code 29 · EIN 34-4439491

1000 JACKSON ST · TOLEDO, OH 43604

Legal

$7,018

NATIONAL FINANCIAL SERVICES11+ years

Service code 33 · EIN 04-3523567

200 LIBERTY ST 5TH FL · NEW YORK, NY 10281

Securities brokerage commissions and ...

THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion